Ok guys got a question about insurance for y'all... Right now im under my fathers insurance. Ive been getting insurance qoutes for new vechicles and im looking at paying around 500 a month (while still under his plan) This is because his insurance has very high coverages (because he owns a home) If i was to go under my own insurance it would actually go down to like 275 (with lower coverages, i dont have assests to protect...) He doesnt want me to do it because if i was to get into an accident he fears that they can still come after him/ our home. Is this the casem i forgot to ask my agent today. If it matters im 19, live at home with my dad and step mom. Thanks guys!